The most important thing to remember about insurance is that everything is recorded in paper. This means that the company keeps a record of all related elements including the terms and conditions of your agreement with the company. When filing for a claim always remember this fact and also remember that there are terms and conditions of your agreement.
Usually people get confused by the terms company use to describe their packages. Where comprehensive does not really mean comprehensive and full does not actually mean full. Problems usually arise because of this fact. Some people have a hard time distinguishing the difference between the meaning of the word that they used and the (insurance) package that they have just availed.
Coverage refers to the situations in which the company will be able to help you. There are different kinds of coverage. Companies tend to specify their coverage in order to make a clear cut distinction between they mean about coverage. Often times, people forget about these specifics, walk away and get surprised when they come back. It is your job as a consumer to know these specifics and understand them in order to be aware when, where and how to avail your benefits.
Each company offers different coverage packages and you only need to choose the ones that are applicable to you. Be careful what you choose because your choices will be the only ones that they will be respecting when you come to and file a claim. They will follow them to the letter and one small mistake might make you not liable for your claim.
The usual problem that arises from this is the fact that there are many people who still try to claim for things that they did not choose. Usually this comes from the exclusions that they themselves have determined. Some other driver used their car and got involved in an accident using their car and since they are not covered by their company then the company would not help them.
Remember that insurance companies will only provide service for the coverage that you pay for. Their premiums and packages are designed so everything you pay for will be returned to you. You cannot claim for something that you did not pay for. People need to understand this earlier rather than complain and regret their decisions later.
Make sure understand and plan for the kind of coverage you want and take into account everything that might happen. Then make your decision.